Winchester Bancorp, Inc./MD/ (WSBK) Stock Analysis and Metrics

Sector: Financial Services Industry: Banks - Regional CIK: 0002047235

Market Cap 100.02 Mn

P/B 0.85

P/E 138.92

P/S 4.94

ROIC (Qtr) 0.17

Div Yield % 0.00

Rev 1y % (Qtr) 96.75

Total Debt (Qtr) 164.00 Mn

Debt/Equity (Qtr) 1.40

About

Strong tangible asset base of 1.01B provides 6.13x coverage of total debt 164M, indicating robust asset backing and low credit risk.
Retained earnings of 81.68M represent substantial 0.70x of equity 116.99M, indicating strong internal capital generation.

Operating cash flow of 0 provides minimal -0x coverage of tax expenses of (102000), suggesting potential tax planning inefficiencies or unsustainable tax positions.
Retained earnings of 81.68M provide limited buffer against comprehensive income items of (1.07M), which is -76.20x, indicating elevated exposure to market risks.
Operating cash flow of 0 barely covers operating expenses of 764000 with a 0 ratio, suggesting thin operational efficiency margins and limited flexibility.
R&D investment of 0 represents just 0x of SG&A expenses of 18.87M, indicating potential underinvestment in innovation relative to administrative overhead.
Deposit liabilities of 718.37M significantly exceed cash reserves of 57.72M, which is 12.45x, indicating potential liquidity risk in stress scenarios.

Companies in the Banks - Regional

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	USB	Us Bancorp \De\	84.44 Bn	12.40	3.25	77.98 Bn
2	PNC	Pnc Financial Services Group, Inc.	84.36 Bn	13.61	3.73	62.34 Bn
3	NU	Nu Holdings Ltd.	81.47 Bn	32.21	5.79	4.49 Bn
4	NWG	NatWest Group plc	66.53 Bn	9.88	3.05	169.04 Bn
5	TFC	Truist Financial Corp	64.60 Bn	13.18	3.53	71.11 Bn
6	MTB	M&T Bank Corp	32.73 Bn	12.47	3.60	14.99 Bn
7	FITB	Fifth Third Bancorp	31.96 Bn	14.15	3.93	18.94 Bn
8	FCNCA	First Citizens Bancshares Inc /De/	28.98 Bn	12.78	3.26	40.00 Bn

Current Valuation	Value	Ind Avg
EV to Assets EV to Assets	0.16	0.14
EV to Cash from Ops. EV/CFO	66.70	7.21
EV to Debt EV to Debt	1.00	5.20
EV to EBIT EV/EBIT	266.03	14.98
EV to EBITDA EV/EBITDA	-240.71	8.92
EV to Free Cash Flow [EV/FCF] EV/FCF	75.38	8.87
EV to Market Cap EV to Market Cap	1.64	1.04
EV to Revenue EV/Rev	8.12	-3.76
Price to Book Value [P/B] P/B	0.85	1.17
Price to Earnings [P/E] P/E	138.92	15.63

Dividend Metrics	Value	Ind Avg	Percentile
Dividend Coverage Ratio Dividend Coverage Ratio	0.00	271.44
Dividend Payout Ratio % Div Payout % (Qtr)	0.00	35.28
Dividend per Basic Share Div per Share (Qtr)	0.00	0.89
FCF Dividend Payout Ratio % FCF Div Payout % (Qtr)	0.00	34.52
Interest Coverage Interest Coverage	0.00	-0.05

Growth Metrics	Value	Ind Avg
Capex Growth (1y) % Capex 1y % (Qtr)	0.00	-73.15
Cash and Equivalents Growth (1y) % Cash & Equiv 1y % (Qtr)	0.00	15.78
Dividend Growth (1y) % Dividend Growth (1y) %	0.00	5.32
EBIAT Growth (1y) % EBIAT 1y % (Qtr)	1,300.00	110.93
EBITDA Growth (1y) % EBITDA 1y % (Qtr)	0.00	38.80
EBIT Growth (1y) % EBIT 1y % (Qtr)	285.03	61.46
EBT Growth (1y) % EBT 1y % (Qtr)	285.03	61.37
EPS Growth (1y) % EPS Growth (1y) %	0.00	76.34
FCF Growth (1y) % FCF 1y % (Qtr)	0.00	161.72
Gross Profit Growth (1y) % Gross Profit 1y % (Qtr)	36.39	14.15

Liquidity Ratios	Value	Ind Avg
Asset Utilization Ratio Asset Util Ratio (Qtr)	0.02	0.04
Cash Payout Ratio Cash Payout (Qtr)	0.00	0.26
Cash Ratio Cash Ratio	0.00	0.00
Current Ratio Current Ratio	0.00	0.01
Debt to Equity Ratio Debt/Equity (Qtr)	1.40	0.53
Interest Cover Ratio Interest Cover Ratio	0.00	-0.05
Times Interest Earned Times Interest Earned	0.00	-0.05

Profitability	Value	Ind Avg
EBITDA Margin % EBITDA Margin % (Qtr)	0.00	147.97
EBIT Margin % EBIT Margin % (Qtr)	3.05	155.41
EBT Margin % EBT Margin % (Qtr)	3.05	154.66
Gross Margin % Gross Margin % (Qtr)	100.00	97.82
Net Profit Margin % Net Margin % (Qtr)	3.60	115.63